Credit Dispute Lead

Santo Domingo · Remotefull timeRemoteseniorH1B: no

Kiwi The Credit Dispute Lead at Kiwi manages the credit reporting dispute function end to end, leading the dispute team and ensuring accurate and timely resolution. This role also drives improvements to credit reporting data and processes.

Responsibilities

Lead, train, and review the work of the Credit Dispute Analyst(s), including quality control and productivity tracking.
Oversee direct disputes (letters, email, CFPB complaints) and indirect disputes (e-OSCAR ACDV), ensuring FCRA response deadlines are met.
Manage AUD corrections and ensure Metro 2 accuracy across all bureaus.
Handle complex cases: charge-offs, settlements, bankruptcies, identity theft claims, DOFD and payment history questions.
Identify root causes of recurring disputes and partner with Data, Engineering, and Compliance to fix them at the source.
Maintain dispute SOPs, templates, and audit-ready documentation.
Report dispute volumes, trends, and risks to leadership.

Qualification

Expert knowledge of FCRAWorking knowledge of TILA/Reg ZStrong loan mathFully bilingual English and SpanishBased in Dominican Republic

Required

4+ years of experience in credit reporting disputes within lending, fintech, or banking, including at least 1 year leading or mentoring others.
Expert knowledge of FCRA, Metro 2 format, e-OSCAR, ACDV/AUD workflows, and bureau requirements.
Working knowledge of TILA/Reg Z, ECOA, UDAAP, SCRA/MLA, FDCPA/Reg F, and CFPB supervisory expectations.
Strong loan math: interest rate vs. APR, amortization, daily accrual, fees, payoff, and the effect of partial, early, or late payments; ability to reconstruct and explain a payment ledger.